Call reports 2025
BANK OF LINDSAY — 2025
What BANK OF LINDSAY reported to the FFIEC in 2025, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Total assets | 92,987,000 | 91,071,000 | 96,596,000 | 102,279,000 |
| Total loans | 78,609,000 | 73,631,000 | 84,912,000 | 80,893,000 |
| Allowance for loan losses | 770,000 | 770,000 | 770,000 | 770,000 |
| Securities available for sale | 2,475,000 | 2,280,000 | 2,253,000 | 2,191,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 64,598,000 | 64,697,000 | 64,686,000 | 71,310,000 |
| Interest-bearing deposits | 52,667,000 | 51,119,000 | 52,066,000 | 55,178,000 |
| Noninterest-bearing deposits | 11,931,000 | 13,578,000 | 12,620,000 | 16,132,000 |
| Equity capital | 8,674,000 | 8,809,000 | 9,049,000 | 9,351,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Interest income | 1,289,000 | 2,594,000 | 3,925,000 | 5,258,000 |
| Interest expense | 631,000 | 1,227,000 | 1,818,000 | 2,452,000 |
| Net interest income | 658,000 | 1,367,000 | 2,107,000 | 2,806,000 |
| Noninterest income | 244,000 | 511,000 | 739,000 | 1,969,000 |
| Noninterest expense | 775,000 | 1,561,000 | 2,307,000 | 3,920,000 |
| Provision for loan losses | 0 | 0 | 0 | 0 |
| Pretax income | 127,000 | 317,000 | 539,000 | 855,000 |
| Income tax | 30,000 | 71,000 | 108,000 | 134,000 |
| Net income | 97,000 | 246,000 | 431,000 | 721,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2025Q1 | 2025Q2 | 2025Q3 | 2025Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,041,000 | 9,190,000 | 9,375,000 | 9,665,000 |
| Total capital | 9,811,000 | 9,960,000 | 10,145,000 | 10,435,000 |
| Risk-weighted assets | 86,170,000 | 81,272,000 | 92,271,000 | 90,480,000 |